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    • Tricky ! If someone in this situation wanted to continue to Insure their car on a comprehensive basis they would find it difficult.  Most people would want comp cover, so a car is fully covered, even though they might not be driving it,   Suggest contacting an Insurance Brokers to ask what they can arrange.   If Insurance is not available, find a storage option, so the car can be kept off the road and SORN. 
    • I cant help thinking that if we had to complete a questionaire that asked if you were "physically able bodied" before you were interviewed then this would be classed as discriminative.   Yet you can be asked to explain a gap in employment and that this is not classed as discriminative to people who may have had a mental breakdown.   Ok on this occasion I had taken a work break, if thay had asked a bout a break I had taken 10 years earlier then it would have been a different story as I had suffered depression and anxiety at that time.   It just seams to me that it puts people who have had a mental health issue at a disadvantage.      
    • I am just outside of the HS" zone for compulsory purchase. However,I put my house up for sale 4 weeks ago, and have had 2 viewers. Both said they like the house but the threat of HS2 having framework across the road put them off buying my house.    I am aware that I can take HS2 to court and get the court judge to (hopefully),force HS2 to purchase my house at market value under the Blight Order.    How do I go about starting the process?. Which court would the case go to?. Am i best enlisting a claims specialist with success in this field?.    The estate agent who my house is on the market with has told me that they have the feedback documentation from the 2 viewers testifying that HS2 put them off buying my house, so they would be available to the court.    Apparently there has already been 1 successful case on my street, and 1 two streets down, and there is another case on my street going through the court.    Any help, laws,quotes etc would be greatly appreciated.
    • Hi HubbaLoo and welcome to CAG   It's no surprise that the likes of CARS and Harlands  make far more charging admin fees than they do from taking a small monthly percentage of the gym fees.   It's best to tell CARS your new address - best that you know what they're up to at all times.   Send them a typed letter (no emails for now) saying:-   Dear sir or madam,   Membership at [town/city] DW Gym   My current address is as shown above.   I cancelled my membership when I relocated and supplied details of moving. I do NOT have to supply utility bills etc as demanded from you and will not enter into further correspondence with you.   If you continue to harass me for payments of admin fees, I will make formal complaints to the appropriate authorities.   Yours faithfully.    
    • It is not the DVLA that insist it must be insured, it is s.144A, Road Traffic Act 1988. Off road and SORN is one of the exceptions - s.144B of the same act.
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Hi,

 

i'm helping an elderly neighbour sort out their debts and they have a credit card in which they have had the interest frozen and are paying an agreed amount each month to reduce the balance, which was over initially over £1000 but its down to £700 now.

He is finding it difficult to keep up the payments now and they have advised him that the agreement he had with them to 'freeze' the interest is coming to an end and he will now have interest added to the outstanding balance, which will make it more difficult for him to keep up the payments. I was going to write to the bank and ask them to help out a bit longer and freeze the interest again but i noticed he got the credit card in 2005 when he was 75 years old. Now this might not seem odd to some but he was not working and had no income other than his state pension and i would have thought that it was a bit irresposible of the bank to give him a credit card because of his lack of income.

 

Doea anyone know if it is irresposible of a bank to do this and what can be done about it?

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I would be inclined maybe doing a sar to see what was put on his application. Can he remeber if he applied online or in a branch or leaflet?


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Thanks Ida,

 

he says he applied in the branch, or rather while he was in the branch he was advised that this would be a good card for him as he would never have to pay any interest, and simply given the card. He did use the card and does not dispute repaying it, it's only the fact that the interest is now no longer frozen and as he pays only £10 per month to the outstanding balance, £9.31 is being added as interest and the debt will never clear - or as he states given his age (81yrs), he will die before it is paid off!

 

Is it worth requesting a SAR and even a copy of the Agreement? I just think it was a bit silly of the bank to give someone in the 70's a Credit card knowing they only had a state pension as income.

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I agree.

 

obviously if had savings but why then get a cc?

 

be interesting to try and get the application to see what they have put in as earnings/incoming monies etc


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